Ringgit and Sense

Is freelancing or the solopreneur life for you? Freelancing, gig work, and self employment have become more prominent sources of income, and are now even more in the spotlight with the rise of remote working and the uncertainties around convention full time employment. On this edition of Ringgit and Sense, Roshan Kanesan gets tips and tricks from Suraya Zainuding to better navigate the self employed life. They also get into identifying skills, Suraya's leap from employed to self-employed, as well as managing taxes, EPF, and retirement. Suraya Zainudin is a writer, speaker and digital marketer. She is also the founder of the personal finance website RinggitOhRinggit.com and curator of the Money Stories from Malaysians book series.

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Retirement is an important financial goal, but often taken for granted when we're young because of the distant timeline. Roshan Kanesan speaks to Peter Yong a.k.a Mr. Money TV for his perspective on retirement planning, particularly for young people, the power of compounding, common mistakes (including forgetting about inflation), and more.

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Do you want more control over your EPF money? On this episode, Roshan Kanesan explored the EPF I-Invest platform with Joyce Chua, licensed financial planner with Principal Asset Management.

They get into the basics of this platform, eligibility, how to pick a fund, and more.

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Digital financial services have made it easier for us to make payments, invest, and get protected, but it’s currently quite a fragmented environment as each service operates independently. U Mobile’s GoPayz is trying to change that by bringing together various financial services onto one platform.

Additionally, Roshan speaks to Idham Idris of Wealth Vantage Advisory, for a financial planner's perspective on the role of digital financial services.

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Investing is vital to your long term financial health, but it can be a nerve wracking experience. So how can you invest while managing the anxieties that come with it?

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Microtransactions and in-app purchases are big revenue generators for big tech, but could be detrimental to our wallets. Roshan Kanesan speaks to Idham Idris about the red flags when it comes to digital expenditure as well as ways to manage digital leisure spending better.

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With all the general excitement over capital gains in stocks markets over the last few months, income-based investing has gotten lost in the buzz, whether it’s because of all the attention taken up by tech in the US or rubber gloves in Malaysia.

So today on RinggitAndSense, Roshan Kanesan explores the income-based investing strategy, with a close look at REITs and dividend stocks.

(Note: Photo was taken in December 2019)

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Why issue bonus shares? Are stock splits pointless? What should I watch with dividend-paying companies?

We’ve seen quite a bit of news around stock splits and bonus issues over the last earnings quarter, with Apple and Tesla splitting their stock earlier this week, and TopGlove and Supermax proposing bonus issues. So Roshan Kanesan explores stock splits, bonus issues, & dividends, with fund manager Danny Wong of Areca Capital, to break it down.

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BIMB Investment Management has entered the digital space with its own offering, Best Invest, which they've dubbed robointelliegence and not a roboadvisor.Why have they done so, what makes this new buzzword different from roboadvisors, and what funds and assets do they offer?

Roshan Kanesan gets into this and more with Najmuddin Mohd Lutfi.

Best Invest App is developed by BIMB Investment Sdn Bhd, a subsidiary of Bank Islam Malaysia Bhd.

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As the stock market booms, it's vital to not get caught up in all the excitement and optimism. While it's important to invest, it must be done responsibly, taking your goals and risk profile in mind.

On this edition of Ringgit and Sense, Roshan speaks to Dato Hamidah and Raymond Gabriel for their thoughts on investing principles, common investing mistakes, and general financial wellness.

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